Living in Zurich: the ultimate expat guide

Zurich is a leading Swiss city for business, research, and innovation, home to multinational companies, startups, and institutes.

Key industries

The city’s economy is anchored in finance, insurance, technology, pharmaceuticals, engineering, and consultancy. It also supports creative sectors, life sciences, and sustainable energy initiatives.

Work permits and procedures

EU/EFTA citizens can work without a permit, but they must register with local authorities for residency purposes. Non-EU/EFTA nationals require a residence and work permit, usually arranged by the employer. Once approved, workers receive a residence permit, register for social security, and arrange mandatory health insurance.

Date correct as of November 2025.

Sources: Trading Economics, Numbeo

Zurich is home to several internationally recognized universities and research institutions. Erasmus+ programs and English-taught courses attract students from around Europe and beyond. Key institutions include ETH Zurich, the University of Zurich (UZH), and Zurich University of the Arts (ZHdK).

Universities and programs

Universities in Zurich offer bachelor’s, master’s, and PhD degrees in German and English. Tuition for EU/EEA students typically ranges from CHF 500 to CHF 2,000 per year, while non EU students may pay higher fees, especially for private or specialized programs.

Research and innovation

Zurich hosts major research activities in technology, life sciences, and engineering. ETH Zurich and UZH partner with international institutions and companies to support innovation and global collaborations.

Sources: ETH Zurich, University of Zurich

Zurich attracts retirees with its high quality of life, safe neighborhoods, and proximity to lakes and mountains. Those with sufficient income or savings can apply for a long-term residence permit for non-working retirees. The city’s reliable public transport, pedestrian-friendly streets, and cultural offerings make daily life convenient and enjoyable.

Healthcare and insurance

Retired residents must register for health insurance within three months of arrival. Many choose private supplemental coverage for faster access to specialists and English-speaking doctors, with premiums typically ranging from CHF 300–CHF 500 per month.

Living costs and community

Popular areas for retirees include Seefeld, Enge, and Zurichberg, offering quiet streets, amenities, and lake views. Swiss taxation applies to worldwide income, but double-taxation treaties may reduce obligations depending on your home country.

Source: Swiss Federal Office of Public Health

Expat families in Zurich can choose public, private, or international schools. Public schools teach primarily in German, with some bilingual programs in German and English or French. Education is compulsory from ages 6 to 15, after which students may continue to upper secondary education (Sekundarstufe II).

International schools

Popular international schools include Zurich International School, Inter-Community School Zurich, and Lyceum Alpinum. These schools follow British, American, or IB curricula. Annual tuition ranges from approximately CHF 20,000 to CHF 35,000, depending on the child’s age and program.

Enrollment process

Public school enrollment usually requires registration with the local authorities, proof of residence, and language assessment if necessary. Private and international schools have separate admissions procedures and waiting lists, so early application is recommended.

Source: City of Zurich Education

Zurich offers a wide variety of housing, from historic townhouses and renovated apartments in the city center to modern developments near the lake and in suburban districts. The city combines traditional architecture with contemporary designs, providing options for different lifestyles.

Where expats live

Expats often choose neighborhoods such as Seefeld, Enge, Zurichberg, and Wollishofen. Seefeld is popular for its lakeside walks and cafés, Enge offers convenient access to the city center, Zurichberg provides quiet, green surroundings, and Wollishofen appeals to families seeking a village-like atmosphere near the lake.

Rental prices and rental process

Most rentals are managed through agencies or landlords, with leases typically written for one year or longer. Tenants must provide proof of identity, residence, and income, as well as a security deposit. Applications for accommodation in Zurich often include references or employment verification. Viewings are usually arranged by the agency or landlord.

Data correct as of November 2025.

Sources: Numbeo

Zurich offers a wide range of cultural, recreational, and outdoor activities. Residents can explore museums, historic landmarks, galleries, and theaters, or enjoy lakeside walks, parks, and sporting facilities throughout the city.

Cultural institutions

The Kunsthaus Zurich displays modern and classical art, while exhibits at the Swiss National Museum highlight the country’s history and heritage. Opernhaus Zurich presents opera, ballet, and classical music performances. The city also features contemporary galleries, design exhibitions, and public art installations, giving residents numerous ways to engage with the arts.

Events and outdoor life

Zurich hosts festivals such as the Zurich Film Festival, Street Parade, and Sechseläuten. Outdoor enthusiasts can enjoy swimming, sailing, or jogging along Lake Zurich; skiing in the nearby Alps; and cycling or hiking in the surrounding hills. Many residents also join local clubs for football, rowing, or tennis.

Sources: Swiss National Museum, Zurich Tourism

Zurich residents enjoy a well-structured urban environment with easy access to public transport, green spaces, and cultural venues. Daily routines often include commuting by tram or bike, stopping at local cafés, or taking short trips to nearby forests and the lake.

Living like a local

Locals value punctuality, efficiency, and outdoor activities. Popular pastimes include jogging along the Limmat, joining sports clubs, attending concerts at Opernhaus Zurich, or participating in community events and seasonal festivals.

Everyday essentials

Streets are quiet and well-kept, reflecting the city’s emphasis on order and respect. Polite greetings, punctuality, and adherence to rules are part of everyday interactions, and many locals make time to relax by the lake or explore nearby nature.

The cost of living in Zurich is high but predictable, reflecting the city’s quality of services and infrastructure. Residents benefit from reliable public transport, efficient healthcare, and well-maintained amenities throughout the city.

Monthly expenses for a single person

Data correct as of November 2025.

Monthly expenses for a family of four

Data correct as of November 2025.

Sources: Numbeo, Swissnest Relocation